Legal claims defining the scope of protection. Each claim is shown in both the original legal language and a plain English translation.
1. A computer implemented method to execute processing a payment event, comprising: providing a framework including a plurality of layers that integrate a front end system and a back end system to execute processing of the payment event, wherein the front end system includes an interactive channel and an application layer and the back end system includes multiple systems and applications; via the interactive channel of the front end system integrated with the framework, receiving at the application layer a request for initiating a payment event from a smart device via a smart terminal; upon processing the initiated request, authenticating the received request via a first portion of the plurality of layers at the framework based on a configuration information associated with the payment event, the configuration information generated by the framework; when the authentication is successful, establishing a session via a second portion of the plurality of layers of the framework with the back end system to process the payment event; based on the established session, determining via a third portion of the plurality of layers of the framework whether to execute processing the payment event based on a combination of a transaction context associated with the payment event and a device identifier associated with the smart device at the framework; based on the determination, executing processing the payment event at the back end system; and scaling the framework, via the plurality of layers, based on an evolving demand requirement to provide a unified architecture platform that integrates multiple systems and applications.
Payment processing technology. The invention addresses the need for a unified and scalable architecture to process payment events initiated from smart devices. A computer-implemented method is described for executing payment event processing. The core of the invention is a framework comprising multiple integrated layers. This framework connects a front-end system, which includes an interactive channel and an application layer, with a back-end system composed of multiple systems and applications. A request to initiate a payment event is received from a smart device via a smart terminal through the interactive channel and is presented to the application layer of the framework. The framework then authenticates this initiated request using a portion of its layers, relying on configuration information generated by the framework itself and associated with the payment event. If authentication is successful, a session is established with the back-end system through another portion of the framework's layers. This session is used to process the payment event. Further, the framework uses another portion of its layers to determine whether to proceed with processing the payment event. This determination is based on a combination of the transaction context and the device identifier of the smart device. Based on this determination, the payment event is processed at the back-end system. The framework is designed to scale its layers in response to changing demand, offering a unified platform that integrates various systems and applications for payment event execution.
2. The computer implemented method of claim 1 , further comprising: when the authentication is unsuccessful, sending an authentication failure notification to the smart terminal in response to the initiated payment event.
This invention relates to secure payment processing systems involving smart terminals and authentication mechanisms. The problem addressed is ensuring secure and reliable payment transactions by handling authentication failures effectively. The method involves initiating a payment event at a smart terminal, where the terminal communicates with a payment processing system to authenticate the transaction. If authentication is successful, the payment is processed. If authentication fails, the system sends an authentication failure notification back to the smart terminal in response to the initiated payment event. This notification allows the terminal to alert the user or take corrective action, such as retrying the transaction or canceling it. The method ensures that failed authentication attempts are promptly communicated to the user, enhancing security and user experience. The system may also include additional steps, such as verifying user credentials or device status, to further secure the payment process. The invention is particularly useful in environments where real-time authentication and feedback are critical, such as point-of-sale systems, mobile payments, or online transactions. By providing immediate feedback on authentication failures, the system reduces the risk of unauthorized transactions and improves transaction reliability.
3. The computer implemented method of claim 1 , further comprising: based on configuration information associated with a type of the payment event, determining a payment context associated with the payment event at the framework.
This invention relates to a computer-implemented method for processing payment events within a financial transaction framework. The method addresses the challenge of dynamically adapting payment processing based on the specific context of each transaction, ensuring compliance, security, and efficiency. The method involves receiving a payment event, which may include details such as transaction amount, payer, payee, and other relevant data. The framework then analyzes configuration information linked to the type of payment event to determine the appropriate payment context. This context may include regulatory requirements, risk assessment parameters, or specific business rules applicable to the transaction type. For example, a high-value corporate payment may require additional fraud checks, while a peer-to-peer transfer may follow a simpler process. By dynamically determining the payment context, the system ensures that each transaction is processed according to its specific requirements, improving accuracy and reducing manual intervention. The method may also integrate with other claims, such as validating transaction data or applying risk models, to provide a comprehensive payment processing solution. The framework's ability to adapt to different payment contexts enhances flexibility and scalability in financial systems.
4. The computer implemented method of claim 1 , wherein determining the transaction context comprises: based on the configuration information associated with the payment event, determining one or more attributes of the payment event; determining one or more parameters associated with the smart device; and based on a combination of the determined one or more attributes of the payment event and the one or more parameters of the smart device, determining whether to execute processing the payment event.
This invention relates to a computer-implemented method for processing payment events in smart devices, addressing the challenge of dynamically determining whether to execute a payment transaction based on contextual factors. The method involves analyzing configuration information associated with a payment event to extract key attributes, such as transaction amount, merchant details, or user preferences. Additionally, it assesses parameters specific to the smart device, including network connectivity, battery status, or security settings. By combining these attributes and parameters, the system determines whether the payment event should be processed, ensuring secure and context-aware transaction handling. This approach enhances decision-making in payment processing by considering both transaction-specific and device-specific factors, reducing risks and improving user experience. The method is particularly useful in environments where real-time adaptability is critical, such as mobile or IoT-based payment systems.
5. The computer implemented method of claim 1 , further comprising: based on a combination of the type of the payment event and one or more constraints associated with the payment event, determining a transaction limit for the payment event; and based on the determined transaction limit for the payment event, determining whether to execute processing the payment event.
This invention relates to financial transaction processing systems, specifically methods for dynamically determining transaction limits based on payment event characteristics. The problem addressed is the need for flexible, context-aware transaction approval decisions that balance security with user convenience, particularly in digital payment systems where static limits may either reject legitimate transactions or fail to prevent fraud. The method involves analyzing a payment event to identify its type (e.g., online purchase, peer-to-peer transfer, recurring subscription) and associated constraints (e.g., transaction amount, frequency, location, merchant category). Using these factors, the system calculates a transaction limit specific to the event. For example, a low-risk subscription payment might receive a higher limit than a first-time international purchase. The system then compares the payment amount against this dynamic limit to decide whether to process the transaction. This approach allows for real-time risk assessment without requiring manual intervention, improving both security and user experience. The method may also incorporate additional context, such as user behavior patterns or device authentication status, to refine the limit calculation. By combining multiple data points, the system can adapt to different transaction scenarios while maintaining fraud prevention standards. This dynamic approach contrasts with traditional systems that apply uniform limits across all transactions.
6. The computer implemented method of claim 1 , wherein the smart device is selected from a group consisting a smart ring, a smart watch, a wearable computer, a smart keychain, a smart card, a mobile application, a near frequency communication electronic device or a combination thereof.
This invention relates to a computer-implemented method for interacting with a smart device, addressing the need for versatile and secure user authentication and data exchange across various portable electronic devices. The method involves using a smart device, such as a smart ring, smart watch, wearable computer, smart keychain, smart card, mobile application, or near-field communication (NFC) electronic device, to facilitate secure transactions, authentication, or data transfer. The smart device acts as an intermediary between a user and a target system, ensuring encrypted communication and reducing the risk of unauthorized access. The method may include steps such as generating a unique identifier for the smart device, establishing a secure connection with the target system, and verifying user credentials before authorizing access or transactions. The invention enhances security and convenience by leveraging different types of smart devices, each with distinct form factors and capabilities, to support a wide range of applications, including financial transactions, access control, and personal data management. The system ensures compatibility across multiple device types while maintaining robust security protocols.
7. A computer system to execute processing a payment event, comprising: a framework including a plurality of layers that integrate a front end system and a back end system to execute processing of the payment event, wherein the front end system includes an interactive channel and an application layer and the back end system includes multiple systems and applications; a memory storing computer instructions; and a processor communicatively coupled with the memory to execute the instructions to perform operations comprising: via the interactive channel of the front end system integrated with the framework, receive at the application layer a request for initiating a payment event from a smart device via a smart terminal; upon processing the initiated request, authenticate the received request via a first portion of the plurality of layers at the framework based on a configuration information associated with the payment event, the configuration information generated by the framework; when the authentication is successful, establish a session via a second portion of the plurality of layers of the framework with the back end system to process the payment event; based on the established session, determine via a third portion of the plurality of layers of the framework whether to execute processing the payment event based on a combination of a transaction context associated with the payment event and a device identifier associated with the smart device at the framework; based on the determination, execute processing the payment event at the back end system; and scaling the framework, via the plurality of layers, based on an evolving demand requirement to provide a unified architecture platform that integrates multiple systems and applications.
The invention relates to a computer system for processing payment events, addressing the challenge of integrating front-end and back-end systems in a scalable, unified architecture. The system includes a framework with multiple layers that connect a front-end system (comprising an interactive channel and an application layer) to a back-end system (comprising multiple systems and applications). The front-end system receives a payment initiation request from a smart device via a smart terminal, which is then authenticated by a first portion of the framework's layers using configuration information generated by the framework. Upon successful authentication, a session is established with the back-end system via a second portion of the framework's layers. The system then evaluates whether to process the payment event based on transaction context and device identifier analysis performed by a third portion of the framework's layers. If approved, the payment is processed by the back-end system. The framework dynamically scales to meet evolving demand, ensuring seamless integration of diverse systems and applications. This unified architecture enhances payment processing efficiency, security, and adaptability.
8. The computer system of claim 7 , further comprising: when the authentication is unsuccessful, sending an authentication failure notification to the smart terminal in response to the initiated payment event.
A computer system for secure payment processing involves authenticating a user before authorizing a transaction. The system receives a payment initiation request from a smart terminal, such as a mobile device or point-of-sale system, and verifies the user's identity through biometric or credential-based authentication. If authentication succeeds, the system processes the payment by communicating with a payment network or financial institution. If authentication fails, the system sends an authentication failure notification back to the smart terminal, preventing unauthorized transactions. The system may also log the failed attempt for security monitoring. This approach enhances payment security by ensuring only authenticated users can complete transactions, reducing fraud risks. The system integrates with existing payment infrastructure while providing real-time feedback to users and merchants.
9. The computer system of claim 7 , further comprising: based on configuration information associated with a type of the payment event, determining a payment context associated with the payment event at the framework.
This invention relates to a computer system for processing payment events, particularly in a framework that dynamically adapts to different payment scenarios. The system addresses the challenge of efficiently handling diverse payment types by automatically determining the appropriate payment context based on configuration information. When a payment event occurs, the system analyzes the event type and retrieves associated configuration data, which defines the specific context needed for processing. This context may include rules, workflows, or parameters tailored to the payment type, such as a subscription renewal, refund, or one-time transaction. By dynamically adjusting the processing logic, the system ensures compliance with business requirements and regulatory standards without manual intervention. The framework integrates with existing payment infrastructure, enabling seamless adaptation to new payment types or changes in processing rules. This approach improves efficiency, reduces errors, and enhances scalability in payment systems. The invention is particularly useful in financial services, e-commerce, and subscription-based platforms where payment processing must accommodate varying transaction types and conditions.
10. The computer system of claim 7 , wherein determining the transaction context comprises: based on the configuration information associated with the payment event, determining one or more attributes of the payment event; determining one or more parameters associated with the smart device; and based on a combination of the determined one or more attributes of the payment event and the one or more parameters of the smart device, determining whether to execute processing the payment event.
This invention relates to a computer system for processing payment events involving smart devices, addressing the challenge of securely and efficiently handling transactions based on contextual factors. The system determines a transaction context by analyzing configuration information associated with a payment event to identify relevant attributes, such as transaction amount, merchant details, or user preferences. It also assesses parameters of the smart device, including device capabilities, network conditions, or security settings. By combining these attributes and parameters, the system decides whether to proceed with processing the payment event, ensuring transactions are executed only under appropriate conditions. This approach enhances security and reliability by dynamically evaluating contextual factors before authorizing payments, reducing fraud risks and improving user experience. The system may integrate with various smart devices, such as wearables or IoT appliances, to facilitate seamless and secure transactions. The invention ensures that payment processing aligns with device capabilities and user-defined configurations, optimizing transaction handling in diverse environments.
11. The computer system of claim 7 , further comprising: based on a combination of the type of the payment event and one or more constraints associated with the payment event, determining a transaction limit for the payment event; and based on the determined transaction limit for the payment event, determining whether to execute processing the payment event.
A computer system processes payment events by dynamically determining transaction limits based on the type of payment event and associated constraints. The system evaluates the payment event's characteristics, such as the transaction type (e.g., purchase, transfer, withdrawal) and any applicable constraints (e.g., time limits, geographic restrictions, or user-defined rules). Using these factors, the system calculates a transaction limit, which defines the maximum allowable amount or conditions for the payment event. The system then assesses whether the payment event complies with the determined limit before proceeding with processing. This approach enhances security and control by ensuring transactions adhere to predefined rules, reducing fraud risk and unauthorized activity. The system may also integrate with other components, such as authentication modules or risk assessment tools, to further validate the payment event before execution. This method provides a flexible and adaptive framework for managing payment transactions in real-time, improving financial transaction safety and compliance.
12. The computer system of claim 7 , wherein the smart device is selected from a group consisting a smart ring, a smart watch, a wearable computer, a smart keychain, a smart card, a mobile application, a near frequency communication electronic device or a combination thereof.
This invention relates to a computer system designed to enhance user authentication and security in digital transactions. The system addresses the problem of insecure or inconvenient authentication methods, such as passwords or static tokens, by integrating a smart device to dynamically verify user identity. The smart device, which can be a smart ring, smart watch, wearable computer, smart keychain, smart card, mobile application, near-field communication (NFC) electronic device, or a combination of these, communicates with the computer system to authenticate the user. The system generates a unique authentication token based on the smart device's interaction, ensuring secure and real-time verification. This approach improves security by reducing reliance on easily compromised credentials while providing a seamless user experience. The smart device may also include additional features like biometric sensors or secure storage to further enhance authentication robustness. The system is particularly useful in applications requiring high-security access, such as financial transactions, healthcare systems, or enterprise networks. By leveraging diverse smart device options, the invention offers flexibility in deployment while maintaining strong security standards.
13. The computer system of claim 7 , further comprising: a plurality of token manager programs to manage assignment of one or more resources to one or more worker nodes for an execution of one or more tasks, wherein the one or more worker nodes are computing nodes within the framework.
This invention relates to a computer system for managing resources in a distributed computing framework. The system addresses the challenge of efficiently assigning and managing computational resources across multiple worker nodes to execute tasks in a scalable and optimized manner. The system includes a plurality of token manager programs that oversee the allocation of resources to worker nodes, which are computing nodes within the framework. These token managers ensure that tasks are executed efficiently by dynamically assigning resources based on workload demands. The system also includes a framework that provides a structured environment for task execution, allowing for parallel processing and resource sharing. The token managers coordinate resource distribution to prevent bottlenecks and ensure optimal utilization. This approach enhances performance by dynamically adjusting resource allocation in response to varying task requirements, improving overall system efficiency and scalability. The invention is particularly useful in large-scale distributed computing environments where resource management is critical for performance and reliability.
14. A non-transitory computer readable storage medium tangibly storing instructions, which when executed by a computer, cause the computer to execute operations comprising: providing a framework including a plurality of layers that integrate a front end system and a back end system to execute processing of the payment event, wherein the front end system includes an interactive channel and an application layer and the back end system includes multiple systems and applications; via the interactive channel of the front end system integrated with the framework, receive at the application layer a request for initiating a payment event from a smart device via a smart terminal; upon processing the initiated request, authenticate the received request via a first portion of the plurality of layers at the framework based on a configuration information associated with the payment event, the configuration information generated by the framework; when the authentication is successful, establish a session via a second portion of the plurality of layers of the framework with the back end system to process the payment event; based on the established session, determine via a third portion of the plurality of layers of the framework whether to execute processing the payment event based on a combination of a transaction context associated with the payment event and a device identifier associated with the smart device at the framework; based on the determination, execute processing the payment event at the back end system; and scaling the framework, via the plurality of layers, based on an evolving demand requirement to provide a unified architecture platform that integrates multiple systems and applications.
This invention relates to a payment processing system that integrates front-end and back-end systems through a scalable, multi-layered framework. The system addresses the challenge of securely and efficiently processing payment events across diverse devices and applications while maintaining flexibility for evolving demands. The framework includes multiple layers that connect a front-end system, comprising an interactive channel and an application layer, with a back-end system containing multiple systems and applications. A smart device initiates a payment request via a smart terminal, which is received by the application layer through the interactive channel. The framework authenticates the request using configuration information generated by the framework itself. Upon successful authentication, a session is established with the back-end system to process the payment event. The framework then evaluates whether to proceed with processing based on the transaction context and the device identifier. If approved, the payment is processed at the back-end system. The framework is designed to scale dynamically to meet changing demand, ensuring a unified architecture that integrates various systems and applications seamlessly. This approach enhances security, efficiency, and adaptability in payment processing.
15. The non-transitory computer readable storage medium of claim 14 , further cause the computer to execute operations comprising: when the authentication is unsuccessful, sending an authentication failure notification to the smart terminal in response to the initiated payment event.
A system for secure payment processing involves a smart terminal and a computer-readable storage medium that executes operations to authenticate a payment event. The system addresses security risks in payment transactions by verifying user credentials before processing payments. When a payment event is initiated, the system checks authentication credentials associated with the user. If authentication fails, the system sends an authentication failure notification to the smart terminal to prevent unauthorized transactions. The storage medium also includes instructions for handling successful authentication, which may involve processing the payment and updating transaction records. The system ensures that only authenticated users can complete payment events, reducing fraud and unauthorized access. The smart terminal may be a mobile device, point-of-sale system, or other payment-enabled device that interacts with the authentication system. The storage medium stores executable code that performs these operations, ensuring secure and reliable payment processing. The system may also include additional security measures, such as multi-factor authentication or biometric verification, to further enhance security.
16. The non-transitory computer readable storage medium of claim 14 , further cause the computer to execute operations comprising: based on configuration information associated with a type of the payment event, determining a payment context associated with the payment event at the framework.
A system and method for processing payment events in a financial transaction framework involves dynamically determining a payment context based on the type of payment event. The framework receives a payment event, which may include details such as transaction amount, merchant identifier, or user account information. The system accesses configuration information that maps different payment event types to specific processing rules or contexts. For example, a "recurring payment" event may trigger a different validation process than a "one-time purchase" event. The framework then applies the appropriate context to the payment event, which may include selecting specific fraud detection algorithms, compliance checks, or settlement procedures. This ensures that each payment event is processed according to its specific requirements, improving accuracy and security. The system may also log the payment context for auditing or reporting purposes. The solution addresses the challenge of handling diverse payment types within a unified framework, ensuring consistent and compliant processing while reducing manual intervention.
17. The non-transitory computer readable storage medium of claim 14 , wherein determining the transaction context comprises: based on the configuration information associated with the payment event, determining one or more attributes of the payment event; determining one or more parameters associated with the smart device; and based on a combination of the determined one or more attributes of the payment event and the one or more parameters of the smart device, determining whether to execute processing the payment event.
This invention relates to a system for processing payment events in smart devices, addressing the challenge of securely and efficiently handling transactions based on contextual factors. The system determines whether to process a payment event by analyzing configuration information associated with the event and parameters of the smart device. The configuration information includes attributes of the payment event, such as transaction amount, merchant details, or user preferences. The smart device parameters may include device status, network connectivity, or security settings. By combining these attributes and parameters, the system evaluates whether the payment event meets predefined criteria for execution. If the criteria are satisfied, the payment event is processed; otherwise, it is rejected or flagged for further review. This approach ensures that transactions are only executed under appropriate conditions, enhancing security and user control. The system may also adapt dynamically based on real-time changes in device parameters or configuration settings, improving flexibility and reliability in payment processing.
18. The non-transitory computer readable storage medium of claim 14 , further cause the computer to execute operations comprising: based on a combination of the type of the payment event and one or more constraints associated with the payment event, determining a transaction limit for the payment event; and based on the determined transaction limit for the payment event, determining whether to execute processing the payment event.
This invention relates to payment processing systems that dynamically determine transaction limits for payment events based on event type and associated constraints. The system evaluates payment events, such as transactions or transfers, by analyzing their characteristics and predefined constraints to establish a transaction limit. This limit is then used to decide whether to proceed with processing the payment event. The constraints may include factors like user preferences, regulatory requirements, or risk thresholds. The system ensures that only compliant and authorized payment events are processed, enhancing security and compliance in financial transactions. The invention builds on a foundational system that monitors and processes payment events in real-time, integrating additional logic to assess transaction limits before execution. This approach prevents unauthorized or high-risk transactions from being processed, reducing fraud and ensuring adherence to financial regulations. The dynamic determination of transaction limits allows for flexible and context-aware payment processing, adapting to different types of payment events and their specific constraints.
19. The non-transitory computer readable storage medium of claim 14 , wherein the smart device is selected from a group consisting a smart ring, a smart watch, a wearable computer, a smart keychain, a smart card, a mobile application, a near frequency communication electronic device or a combination thereof.
This invention relates to a non-transitory computer-readable storage medium containing instructions for a smart device to authenticate a user by analyzing biometric data. The system captures biometric data, such as fingerprints, heart rate, or other physiological signals, using sensors integrated into the smart device. The captured data is processed to extract unique biometric features, which are then compared against stored reference data to verify the user's identity. The smart device may be a smart ring, smart watch, wearable computer, smart keychain, smart card, mobile application, near-field communication (NFC) device, or a combination of these. The authentication process ensures secure access to systems, applications, or physical spaces by leveraging the biometric data collected in real-time. The system may also include encryption and secure data transmission protocols to protect the biometric information during storage and processing. This approach enhances security by reducing reliance on traditional authentication methods like passwords or PINs, which are more susceptible to breaches. The invention aims to provide a convenient, fast, and highly secure authentication solution for various smart devices.
20. The non-transitory computer readable storage medium of claim 14 , further comprising: a plurality of token manager programs to manage assignment of one or more resources to one or more worker nodes for an execution of one or more tasks, wherein the one or more worker nodes are computing nodes within the framework.
This invention relates to distributed computing systems, specifically a method for managing resource allocation in a computing framework. The problem addressed is the efficient distribution and management of computational resources across multiple worker nodes to execute tasks in a distributed environment. The system includes a non-transitory computer-readable storage medium containing programs that facilitate task execution and resource management. A token manager program assigns resources, such as computing power or memory, to worker nodes within the framework. The worker nodes are computing nodes responsible for executing tasks. The token manager ensures that resources are allocated dynamically and optimally to handle task execution efficiently. The system may also include a task manager program to oversee the execution of tasks and a framework manager program to coordinate overall operations. The invention aims to improve resource utilization and task processing efficiency in distributed computing environments by dynamically managing resource assignments to worker nodes. This approach helps balance workloads and prevent resource bottlenecks, enhancing overall system performance.
Unknown
August 11, 2020
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